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Turn Equity into Opportunity!

6.99% APR*
No Closing Costs**

Whether it's upgrading your home, advancing your education, exploring new destinations, or managing debt, an FCCB home equity loan can help you get there.

Apply Today!

*Closed-end home equity loan Annual Percentage Rate (APR) special as of July 1 ,2024. As low as quoted APR is based on automatic payment deduction from a First Citizens Community Bank (FCCB) checking account. Rates and terms may vary by property type, loan amount, LTV ratio and credit score. Rate is subject to change or withdrawal at any time. $10,000 minimum loan amount and new money requirement. Loan-to-Value (LTV) equal to or less than 80% for first lien or second lien if succeeding an FCCB first lien; with credit scores of 700 or higher. Loan-to-Value (LTV) equal to or less than 70% for second lien if succeeding a first lien with another institution; with credit scores of 700 or higher. Non-purchase money transactions only. Homeowner’s insurance required and flood insurance may be required.

**No closing costs for all loans $299,999.99 and under, unless title insurance or a full appraisal is needed. Closing costs could range from $0.00 to $5,000.00. If the loan is paid off within three years of the closing date there is a recapture fee for all closing costs paid on your behalf by FCCB.  The recapture fee will range from $250 -$300 for internal closing costs; other recapture costs for title insurance and appraisal will vary with location and loan amount.  Consult a tax advisor regarding deductibility of interest and charges. Subject to credit approval. Not all borrowers will qualify for the lowest rate. Other rates and terms available. Visit or call a First Citizens Community Bank (FCCB) Office for full details. Equal Housing Lender. Member FDIC. NMLS# 401353

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Home Equity Line of Credit

Tap into your home's equity and keep your emergency funds intact with a Home Equity Line of Credit. Here’s why it’s beneficial:

• Flexible Access: Withdraw funds as needed without reapplying.

• Lower Rates: Enjoy competitive variable rates that are lower than credit cards.

• Interest Savings: Pay interest only on the amount you use.

• Easy Access: Conveniently access your funds via check, ATM, or online transfer.

• Local Processing: Benefit from local decision-making and processing in Pennsylvania.

• Exceptional Service: Experience friendly and supportive service from start to finish.

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FCCB YourChoice Home Equity Line of Credit

With the FCCB YourChoice Home Equity Line of Credit, you enjoy the flexibility to borrow as you need, when you need. Here's why it's the smart choice:

Flexibility:

• Utilize funds for home improvements, debt consolidation, education, travel, or other personal expenses.
• Borrow only what you need, when you need it, with the ability to draw from your line of credit at any time.
• Increase your available credit as you pay down the balance, providing ongoing financial flexibility.

Competitive Rates:

• Benefit from a low variable rate that can adapt to market conditions.
• Convert any balance to a fixed-rate loan, providing stability and predictability in your payments.
• Enjoy lower overall borrowing costs compared to credit cards and many personal loans.

Convenience:

• Access funds easily via check, ATM, or online transfer to your FCCB checking account.
• Lock in up to 3 fixed-rate options simultaneously.
• Manage your finances with a single consolidated monthly payment.

Explore how the FCCB YourChoice Home Equity Line of Credit can enhance your financial flexibility today!